Vehicle Loans
Let us help you finance your next new or used vehicle!! Our streamlined process makes it so quick & easy. Purchasing a vehicle can be very stressful but our lending team will help you from start to finish. We also offer GAP & Extended Warranty for added protection.
Need to look up a value? Click here for NADA new or used book values.
Recreational Vehicles
In the market for a Boat, Jet Ski, ATV, Motor Home or Camper? We can help you!
Motorcycles
Ready to hit the open road on a motorcycle? We are here to help make that dream come with our quick and easy loan process!
New & used motorcycles qualify plus we offer GAP and Mechanical Breakdown Protection for added peace of mind.
Tractors & Lawn Mowers
In need of a tractor or lawn mower for your gardening or yard work needs? We can help you!
Mixed Collateral Loans
This loan is for purchase of computers and household appliances; such as, washer/dryer, stove, dishwasher, refrigerator and more.
Signature Loans
Signature Loans are unsecured personal loans that can be used for anything you need with flexible repayment terms.
These type of loans are perfect for weddings, family vacations, medical emergencies, college tuition and any other unexpected events.
Maximum borrowing limit is $10,000 and limit will be based on your credit score and gross income.
Credit Card Consolidation Loans
This loan is designed to specifically pay off member's high interest credit card debt. We have seen credit card interest rates as high as 30%, making it nearly impossible to pay this type of debt off.
- Must have minimum credit score of 650 to qualify
- Maximum amount of loan = $7,500
- Must provide copies of credit card statements proving the amount of debt owed
Home Improvement Loans
In the need for some home improvement renovations, landscaping expenses or installation of a pool to keep cool in this South Georgia heat? Our Home Improvement Loan may be the perfect fit for you. Your home will not serve as collateral against this loan, so no need for expensive appraisal and closing costs.
*Maximum amount allowed = $35,000 (depending on credit score)
Share Secured Loans
For a lower interest rate loan, you have the option of borrowing against your share account balance.
No credit check is required…..only your proof of income. Rates start as low as 2% over dividends earned on share account.
New Teacher Loans
The loan is for NEW TEACHERS ONLY. Definition of a "New Teacher" is a certified teacher instructing in the classroom in the Colquitt County School System for the first time. This is to help ease the burden of having to wait an entire month before receiving your first check with the school system. One-time eligibility only.
- Amount of Loan: $1,500
- Term: 12 months
- Rate: 14.00%
No Credit Check Loans
We offer several types of No Credit Check Loans to our members for added convenience! See the below list for details:
Vacation Loan
- Amount of Loan: $500
- Term: 6 months
- Rate: 18.00%
(offered May 1st - June 13th)
Christmas Loan
- Amount of Loan: $500
- Term: 6 months
- Rate: 18.00%
(offered November 1st - December 13th)
Back to School Loan
- Amount of Loan: $750
- Term: 8 months
- Rate: 17.50%
(offered July 15th - August 31st)
Payment Protection
Protect yourself when unexpected events happen such as an accident or illness that can cause you to be out of work for a lengthy amount of time or even indefinitely. We offer Credit Life and/or Credit Disability Insurance for added protection on your loans.
*Pricing varies depending on loan amount and term
Loan Rates
| Loan Type | Annual Percetage Rate | |
|---|---|---|
| New Vehicles (2024-2025) | Up to 84 months: | 6.10% – 7.25% |
| Used Vehicles (2005-2023) | *Terms: 24-84 months |
*Base Rates: 6.50% – 9.25% |
| *Depending on year model | ||
|
Recreational Vehicles |
Up to 120 months: | 8.50% – 10.00% |
| Motorcycles, Tractors & Lawn Mowers | Up to 72 months: | 8.25% – 9.25% |
| Mixed Collateral Loan (Appliances, Computers, A/C Units, etc...) |
Up to 48 months: | 10.00% |
| Signature Loan (Personal/Unsecured Loan up to $10,000) |
Up to 48 months: | 12.00% |
| Credit Card Consolidation (up to $7,500) |
Up to 48 months: | 12.00% – 14.00% |
| Home Improvement | Up to 120 months: | 8.00% – 13.00% |
| Share Secured Loan | Up to 120 months: | 2.10% – 4.10% |
*** PLEASE NOTE: Above rates are BASE rates. Additional points may be added depending on each individual’s credit history and underwriting factors.
Rates, Terms & Conditions are subject to change without notice.